Credit Access

Credit Access and Fair Credit Reporting Act (FCRA) Rights

At New Life Credit Repair, we believe in empowering our clients by providing access to their credit information and educating them about their rights under the Fair Credit Reporting Act (FCRA). Understanding your credit report is crucial for improving your credit score and financial well-being.

Accessing Your Credit Report

  • Annual Credit Reports

    You have the right to request a free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once every 12 months. To obtain your free credit reports, visit or call 1-877-322-8228.

  • Credit Monitoring Services

    We recommend using credit monitoring services to stay updated on changes to your credit report. These services may offer additional features such as credit score tracking, identity theft protection, and alerts for suspicious activities.

Understanding Your Rights under FCRA

The Fair Credit Reporting Act (FCRA) is a federal law that governs how credit bureaus collect, use, and disclose consumer credit information. As a consumer, you have several rights under FCRA, including:

  • Right to Access

    You have the right to access your credit report and dispute any inaccurate or incomplete information.

  • Right to Dispute

    If you identify errors or discrepancies on your credit report, you have the right to dispute them with the credit reporting agencies. They must investigate and correct any inaccuracies within 30 days.

  • Right to Privacy and Security

    Your credit information is sensitive and must be protected. Credit bureaus and entities that handle credit data are required to maintain the security and confidentiality of your information.

  • Right to Opt-Out

    You have the right to opt out of pre-approved credit offers by contacting credit reporting agencies.

Credit Repair and FCRA Compliance

At New Life Credit Repair, we adhere to all regulations outlined in the Fair Credit Reporting Act. Our credit repair services are designed to assist you in identifying inaccuracies and errors on your credit report, and we work diligently to dispute and resolve issues that may be affecting your credit score.

Protecting Your Personal Information

We take data privacy and security seriously. When using our website or services, ensure you:
  • Keep your login credentials confidential.
  • Use strong and unique passwords for your accounts.
  • Avoid sharing sensitive information through email or unsecured channels.

Contact Us

If you have any questions or concerns about accessing your credit report or your rights under FCRA, please contact our customer support team: or 559-213-6672.

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